1237 Cotton St, Reading, PA 19602 Property Records

Berks County property record for 1237 Cotton St, Reading, PA 19602

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,659 sqft · built 1920
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,000 (Jul 2026)
Tax Bill	$1,030 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`5316-30-17-8980`

Property Details

APN / Parcel Number

Primary APN	`5316-30-17-8980`
Alternative APNs	`10-5316-30-17-8980` `10329675` `329675`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,659 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Neighborhood
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10329675
Street Address	1237 COTTON ST
City	READING
State	PA
Zip	19602-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17
Jurisdiction	BERKS PA
Township / Civil Division	READING
Census Block Group	2
Census Block	2011
Census Tract	2100

Owner

Source: Berks County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1237 COTTON ST, READING, PA 19602-2035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed, Transfer · Conventional Mortgage CUSTOMERS BANK
Oct 22, 2018	Grant Deed, Transfer STEWART ABSTRACT AND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	202622157
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKS PA
Recording Date	Jul 9, 2026
Property Address	1237 COTTON ST, READING, PA 19602-2035
Document Number	0000022157
Instrument Date	Jul 9, 2026
Instrument	202622157
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FREEDOM SETTLEMENT GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148,470.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1237 COTTON ST, READING, PA 19602-2035

Mortgage

Document Number	0000022158,
Date	Jul 9, 2026
Instrument	202622158

Lender

Name	CUSTOMERS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKS PA
Recording Date	Oct 22, 2018
Property Address	1237 COTTON ST, READING, PA 19602-2035
Document Number	0000036608
Instrument Date	Oct 18, 2018
Instrument	36608
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	STEWART ABSTRACT AND TITLE

Transaction

Amount	Amount Recorded
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1237 COTTON ST READING PA 196022035, READING, PA 19602-2035

Tax Assessment & Valuation

Source: Berks County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Berks County
Municipality	Reading City
Unified School District	Reading School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,030.00 (+6.63%) Homeowner's exemption	$36,500 (-) Land $6,600 Building $29,900	$6,600 (-81.92%) Land $6,600
2024	$966.00	$36,500 Land $6,600 Building $29,900
1994			$36,500 Land $6,600 Building $29,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 26, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1980)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1980 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING AREA WATER AUTHORITY serves 95,100 people · EPA ID PA3060059
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Apr 2025 E. coli resolved · Oct 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,753 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Greenlight Networks.

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